Credit & Collections Manager
The mandate
YouLend is hiring a Credit & Collections Manager, US to take ownership of collections performance across the US. The business is rapidly expanding in the market (+100% growth year on year) and as such it puts increasing emphasis on the Collections team’s abilities.
This is a build role rather than a caretaker role. You will inherit a small, capable team of five agents, which has been through significant transformation over the past six months. Your job is to come in and supercharge the team, while enabling future scalability as the business grows. As such, the ideal candidate will first (1) come in and build strong hiring, onboarding, and training processes before (2) approaching advanced analytics, segmentation, contact strategy, and other tactical performance levers.
You will own the numbers outright. Cure rates, repayment speeds, cost-to-collect, and losses are yours - and you will be expected to move them. Once accounts hit collections, they are in your portfolio, and you own them.
The team
You will lead a small, agile team of five people:
- Tenure. Short. The team has mostly been replaced throughout 2026. At the same time, it has been, and will continue to, grow.
- Experience. Mixed. Some agents have years of experience, while others are working in Collections for the first time. We believe in hiring for talent and training for skill.
- Behaviours. Good. The team is dynamic and agile. They are able to adapt to changes quickly while getting the job done every day.
Where the role sits
You will report to the Global Head of Collections, who is operating out of London. Consequently, you will have a high level of autonomy to take actions, make changes, and build your own team. You will have direct contact with the General Manager of the US and be a central stakeholder in understanding and communicating credit performance.
You will work closely with Credit Risk, Finance, Capital Markets, and Technology, and you will be a significant voice in how we invest in collections tooling and automation.